M-PESA Charges: Full Breakdown for Withdrawals and Transfers in 2026
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Since its launch in 2007, Safaricom’s M-PESA has transformed how Kenyans send, receive, and manage money, eliminating distance as a barrier to financial transactions.
Today, the mobile money platform supports everything from small daily payments to high-value transfers.
As of 2026, M-PESA transaction costs continue to vary depending on the amount sent or withdrawn, as well as the method used. While several services remain free, others charge fees that increase with the transaction value.
Below is a full breakdown of M-PESA charges in Kenya for 2026, covering free services, transfer fees, withdrawal costs at agents and ATMs, as well as key transaction limits.
Services That Don’t Attract M-PESA Charges
According to Safaricom, it does not charge customers for several commonly used M-PESA services. These include:
- M-PESA registration and all deposits
- Buying airtime through M-PESA
- Balance enquiries and PIN changes
- Transfers between M-PESA users, including Pochi La Biashara and Business Till to Customer, for amounts between Kshs 1 and Kshs 100
However, charges apply when sending money to other M-PESA users or other registered mobile money users. The fees increase based on the transaction amount as follows:
- Kshs 101 – 500: Kshs 7
- Kshs 501 – 1,000: Kshs 13
- Kshs 1,001 – 1,500: Kshs 23
- Kshs 1,501 – 2,500: Kshs 33
- Kshs 2,501 – 3,500: Kshs 53
- Kshs 3,501 – 5,000: Kshs 57
- Kshs 5,001 – 7,500: Kshs 78
- Kshs 7,501 – 10,000: Kshs 90
- Kshs 10,001 – 15,000: Kshs 100
- Kshs 15,001 – 20,000: Kshs 105
- Kshs 20,001 – 250,000: Flat rate of Kshs 108
Withdrawal Charges
For Withdrawal fees, it varies depending on whether a customer withdraws cash from an M-PESA agent or an ATM. Customers cannot withdraw less than Ksh50 at an agent outlet.
Also Read: What Happens If You Die With Money in M-PESA Without Leaving a PIN Number?
Agent Withdrawal Charges
- Kshs 50 – 100: Kshs 11
- Kshs 101 – 2,500: Kshs 29
- Kshs 2,501 – 3,500: Kshs 52
- Kshs 3,501 – 5,000: Kshs 69
- Kshs 5,001 – 7,500: Kshs 87
- Kshs 7,501 – 10,000: Kshs 115
- Kshs 10,001 – 15,000: Kshs 167
- Kshs 15,001 – 20,000: Kshs 185
- Kshs 20,001 – 35,000: Kshs 197
- Kshs 35,001 – 50,000: Kshs 278
- Kshs 50,001 – 250,000: Kshs 309
ATM Withdrawal Charges
Withdrawals from ATMs attract the following charges:
- Kshs 200 – 2,500: Kshs 35
- Kshs 2,501 – 5,000: Kshs 69
- Kshs 5,001 – 10,000: Kshs 115
- Kshs 10,001 – 35,000: Kshs 203
Transaction Limits and Key Rules
M-PESA users are subject to the following limits and conditions:
- Maximum account balance: Kshs 500,000
- Maximum daily transaction value: Kshs 500,000
- Maximum amount per transaction: Kshs 250,000
Also Read: What Happens If You Die With Money in M-PESA Without Leaving a PIN Number?
- Customers cannot deposit money directly into another M-PESA customer’s account at an agent outlet
- To initiate an M-PESA self-reversal, customers must forward the transaction confirmation message to 456
Full List of the Charges
| Transaction Range (Kshs) | Transfer to M-PESA / Other Registered Mobile Money Users (Kshs) | Withdrawal from M-PESA Agent (Kshs) |
| 1 – 49 | Free | N/A |
| 50 – 100 | Free | 11 |
| 101 – 500 | 7 | 29 |
| 501 – 1,000 | 13 | 29 |
| 1,001 – 1,500 | 23 | 29 |
| 1,501 – 2,500 | 33 | 29 |
| 2,501 – 3,500 | 53 | 52 |
| 3,501 – 5,000 | 57 | 69 |
| 5,001 – 7,500 | 78 | 87 |
| 7,501 – 10,000 | 90 | 115 |
| 10,001 – 15,000 | 100 | 167 |
| 15,001 – 20,000 | 105 | 185 |
| 20,001 – 35,000 | 108 | 197 |
| 35,001 – 50,000 | 108 | 278 |
| 50,001 – 250,000 | 108 | 309 |
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Photo of a customer at an M-PESA outlet. PHOTO/Nairobi Leo